Reliance Home Finance Ltd

₹ 3.60 4.96%

13 Dec - close price

reliancehomefinance.com BSE: 540709 NSE: RHFL

About

Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business^[1]

Key Points

Business Overview:^[1]
Company is promoted by Reliance Capital Limited (RCL) which is a part of the ADAG (Anil Dhirubhai Ambani Group) and holds ** 47.91%** stake in the company. RHFL is registered as housing finance company with National Housing Bank without accepting public deposits and is engaged in mortgaged based lending operations

Website BSE NSE - BE

Market Cap ₹ 175 Cr.
Current Price ₹ 3.60
High / Low ₹ 6.22 / 2.15
Stock P/E
Book Value ₹ -1.59
Dividend Yield 0.00 %
ROCE -17.2 %
ROE %
Face Value ₹ 10.0

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Pros

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -80.1% over past five years.
Promoter holding is low: 0.74%
Promoter holding has decreased over last 3 years: -48.8%
Working capital days have increased from -1,027 days to 224 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
	129.50	69.66	75.65	15.88	93.63	72.27	140.77	75.50	0.12	0.16	0.16	0.18	0.18
	292.10	226.77	216.09	6,067.77	44.76	44.91	16.24	-9,059.62	-6.05	0.82	2.72	5.48	0.28
Operating Profit	-162.60	-157.11	-140.44	-6,051.89	48.87	27.36	124.53	9,135.12	6.17	-0.66	-2.56	-5.30	-0.10
OPM %	-125.56%	-225.54%	-185.64%	-38,110.14%	52.19%	37.86%	88.46%	12,099.50%	5,141.67%	-412.50%	-1,600.00%	-2,944.44%	-55.56%
	1.18	1.10	0.07	0.47	0.13	6.02	-0.05	-274.14	0.26	0.00	0.00	0.00	0.00
Interest	273.68	274.52	325.85	311.04	251.77	272.19	266.63	-759.27	0.00	0.00	0.00	1.45	0.34
Depreciation	0.54	0.53	0.53	210.49	0.51	0.49	21.25	0.48	0.00	0.00	0.00	0.00	0.00
Profit before tax	-435.64	-431.06	-466.75	-6,572.95	-203.28	-239.30	-163.40	9,619.77	6.43	-0.66	-2.56	-6.75	-0.44
Tax %	-34.00%	-34.00%	-26.00%	-31.20%	-31.20%	-31.20%	52.53%	37.92%	0.00%	0.00%	0.00%	0.00%	0.00%
	-287.53	-284.49	-345.39	-4,522.19	-139.86	-164.64	-249.24	5,972.31	6.43	-0.66	-2.56	-6.75	-0.44
EPS in Rs	-5.93	-5.87	-7.12	-93.23	-2.88	-3.39	-5.14	123.13	0.13	-0.01	-0.05	-0.14	-0.01
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
	361	429	512	815	1,114	1,683	2,000	1,600	840	293	391	1	1
	65	86	90	142	235	373	575	829	1,920	6,802	-8,933	3	9
Operating Profit	296	342	423	673	879	1,311	1,425	771	-1,081	-6,509	9,324	-2	-9
OPM %	82%	80%	82%	83%	79%	78%	71%	48%	-129%	-2,220%	2,384%	-381%	-1,268%
	0	1	0	0	15	0	2	2	0	0	-277	0	0
Interest	254	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32	1	2
Depreciation	0	0	0	1	7	2	3	4	3	212	2	0	0
Profit before tax	42	66	106	137	138	247	102	-567	-2,303	-7,906	9,014	-4	-10
Tax %	35%	34%	35%	37%	-25%	32%	34%	-34%	-34%	-31%	40%	0%
	27	43	69	87	173	167	67	-375	-1,520	-5,440	5,419	-4	-10
EPS in Rs	4.18	6.59	10.49	13.18	14.90	3.45	1.39	-7.74	-31.33	-112.14	111.71	-0.07	-0.21
Dividend Payout %	0%	0%	0%	0%	3%	29%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	-48%
5 Years:	-80%
3 Years:	-91%
TTM:	-100%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	26%
TTM:	-100%

Stock Price CAGR
10 Years:	%
5 Years:	6%
3 Years:	-9%
1 Year:	24%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Balance Sheet

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	66	66	66	66	116	485	485	485	485	485	485	485
Reserves	355	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559	-562
	1,940	2,377	3,640	6,548	9,670	13,136	15,699	13,235	12,976	12,714	87	91
	593	904	1,385	525	547	447	585	1,027	1,975	2,922	22	16
Total Liabilities	2,954	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30
	0	0	39	44	68	264	266	262	259	48	0	0
CWIP	0	0	0	0	0	2	0	1	0	0	0	0
Investments	14	320	0	80	508	54	93	951	1,007	161	0	0
	2,939	3,425	5,518	7,569	10,771	15,087	17,766	14,516	13,631	9,936	35	30
Total Assets	2,954	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30

Cash Flows

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	-2	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103	-22
	23	-282	293	-72	-355	496	-55	-856	-1,560	848	-105	1
	-0	0	0	0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035	4
Net Cash Flow	21	130	114	362	-425	-194	47	-70	135	-116	-37	-17

Ratios

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-288	-314	-422	-361	-261	-24	33	-139	-682	-3,301	-4	224
ROCE %	13%	13%	12%	12%	10%	10%	9%	5%	-8%	-67%	258%	-17%

Shareholding Pattern

Numbers in percentages

6 Recently

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
	49.58%	49.58%	49.58%	48.78%	48.64%	48.64%	48.64%	43.61%	0.74%	0.74%	0.74%	0.74%
	2.39%	2.19%	2.19%	2.19%	2.19%	2.19%	2.19%	0.39%	0.39%	0.39%	0.39%	0.00%
	1.56%	1.56%	1.56%	1.56%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	46.46%	46.67%	46.67%	47.46%	47.60%	47.61%	47.60%	54.44%	97.30%	97.31%	97.32%	97.69%
No. of Shareholders	8,44,905	8,47,948	8,53,215	8,52,814	8,60,494	8,54,262	8,52,451	8,54,351	8,82,115	9,04,907	9,50,122	9,60,349

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Jun 2024
	74.99%	74.85%	49.58%	49.58%	49.58%	48.64%	0.74%	0.74%
	5.98%	5.66%	2.05%	2.04%	2.19%	2.19%	0.39%	0.00%
	5.44%	5.07%	3.42%	1.76%	1.56%	1.55%	1.55%	1.55%
	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%
	13.58%	14.41%	44.94%	46.61%	46.67%	47.60%	97.32%	97.69%
No. of Shareholders	8,92,038	8,51,147	8,36,341	8,35,236	8,53,215	8,52,451	9,50,122	9,60,349

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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